by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Greater Johnstown Career and Technology Center, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Greater Johnstown Career and Technology Center, 46% of incoming students take out a loan to help cover first-year costs, borrowing on average $9,908 per borrower, covering both private and federal loans.
Federal loans alone average $8,519. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Greater Johnstown Career and Technology Center, 33% finance part of their studies with federal loans, with a mean of $8,228 a year. This is 3.4% less than the first-year federal average of $8,519.
Repeating that yearly amount projects to about $16,456 across two years and $32,912 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 33% |
| Average federal loan per year | $8,228 |
| Undergraduates with a federal loan | 53 |
| Total federal loans (one year) | $436,068 |
The middle borrower at Greater Johnstown Career and Technology Center owes $7,818 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,818 |
| Students who completed (graduates) | $8,455 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Greater Johnstown Career and Technology Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,000 |
| 25th percentile | $4,850 |
| 75th percentile | $13,595 |
| 90th percentile (highest-debt students) | $15,800 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Greater Johnstown Career and Technology Center.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Greater Johnstown Career and Technology Center.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 30 | $8,027 |
These figures turn the debt totals into a monthly repayment picture for Greater Johnstown Career and Technology Center.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Greater Johnstown Career and Technology Center follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.8% |
| Borrowers in the cohort | 153 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,455 |
| Middle income | $7,636 |
| High income | $4,895 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,895 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Greater Johnstown Career and Technology Center.
Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Worth Knowing
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.